iSAVvy Savings / iSAVvy Savings-i Account. The concept is simple: deposit fresh funds into the account and you will receive almost 2% pa interest. iSAVvy has one of the highest base interest rates starting from 0.30% to 0.50%p.a., depending on your account balance. ¯\_(ツ)_/¯. Review: Maybank i-Savvy and StanChart e$aver Savings Account – 1.7 to 1.8% pa on Up to $1 million? It works great as a temporary store of wealth, a few months perhaps, and beats fixed deposits of short tenures. It’s also good for not so high SES people who want higher interest on their cash savings but for one reason or another cannot fulfil the various requirements typical higher-interest accounts demand. S$200,000 and above: 0.35% p.a. Twins separated at birth, Maybank i-Savvy and StanChart e$aver accounts are almost one and the same, and one of the rare occasions one review covers two products. achieved at S$200k+ balance with iSAVvy, max of 1.94% p.a. for deposits below $5,000, 0.25% p.a. So the transfer should be done on the last day of the month? achieved at S$50k with iSAVvy Plus). Attractive interest of up to 0.35%; Create Sub-accounts via Online Banking to help achieve your savings goals; Convenience of round-the-clock online banking In the latest development, we note that as at 18 February 2009, Maybank iSavvy online savings accounts rates have declined. Maybank i-Savvy works similarly, and a little better. Still, place money into whichever account is marked X in the table above (right now it’s e$aver), but there’s no harm in opening an account with Maybank with a small $500 balance to get $20 first. Maximum possible Effective Interest Rate (EIR) of up to 1.94% p.a. HDB Loan VS Bank Loan: Which Should You Get? Ranges from 0.27% to 1.64% p.a. Do note that the interest rates do change from time to time. The rates above are subject to change without notification. Choice Date period. upfront and 0.25% p.a. For premature withdrawal, the entire interest paid upfront will be returnable to the Bank through a deduction from the iSAVvy Time Deposit principal amount. An online savings account that provides base interest of up to 0.50% p.a, and up to 18% interest-on-interest which will be paid out every 6 months depending on your account balance. Maybank iSAVvy Account offers a +0.02%–0.07% p.a. In the event that Maybank offers a higher bonus rate on iSAVvy Savings Account during the Promotion Period, you will enjoy the higher bonus rate on your incremental balance for that month. The information and articles do not constitute financial, investment, or trading advice. The i-Savvy + e$aver combo gives a home to such funds, and at $1 million maximum it’s quite a roomy shelter. Please contact the nearest Maybank branch for the latest rates. We are just going to leave it there for a month; we’ll see why in a while. You can replace UOB One with one of these accounts if you cannot meet the requirements for UOB One. Computation of Interest . Please fill in your email or login to your Facebook/Gmail to like this page. upfront and 0.40% p.a. boost, and … Copyright (C) 2013 - 2021 All Rights Reserved. Terms and Conditions. 5 Money Things You Can Do Before 2020 Ends, Nerfed: DBS Multiplier Dropping Rates… Again! on your Prestige Savings Account. Attractive base interest of up to 0.50% p.a. By forgetting to transfer for an entire month, you would miss out one month’s worth of interest. Rates for Maybank Savings Accounts. MayBank has reduced their interest rate across the tiers. Terms and Conditions. Round-the-clock service with Online and Mobile Banking; Choice of 3, 6, 12, 24 and 36 months; How to place deposit. The same applies if e$aver starts offering higher interest rates, although it has been paling in contrast to iSavvy in recent memory. No statement or advice will be issued. Maybank iSAVvy and iSAVvy Plus certainly have different max effective interest rates, as listed by the previous commenter (max EIR of 0.50% p.a. 1 month board rate. Use FAST to do an interbank fund transfers from other participating banks into your Maybank iSAVvy Savings Account to enjoy this promotion now. Achieve your Goal; Open an Account; Apply for Credit Cards; Get a Loan; Grow your Wealth The key is to alternate your funds monthly between the two accounts so that your balance for the Assessed Months for both accounts is $0 ($500 for i-Savvy to avoid a fall-below fee) so that your money always count as fresh, incremental funds for both accounts. iSAVvy has a unique feature that allows account holders to enjoy an additional 6% - 18% interest-on-interest when a set average daily balance of at least S$5,000 is … I think the e-Saver, similar to I-Savvy account, also charges a fall-below fee of $5 monthly if your AVERAGE daily balance in a calendar month falls below $1,000. There’s currently a $20 promo if you sign up for i-Savvy online. View our Board Rate . This is also related to my previous post on getting 3% on your savings account. iSAVvy Time Deposit does not allow for partial withdrawal and top-up of the principal amount. However, actual value-to-consumer varies by your saving behaviour. Signup gift of $200 Lazada Vouchers OR From what I know, it will try to deduct the fee after each month has ended, and if there are no fees to be deducted it stops there. Welcome to Singapore Savings Account Rates blogspot dot com where our team will share Maybank 1.50% iSavvy Savings Account Promo 2015 in Singapore savings account rates in today's post. However, perhaps because of this flexibility, bonus rates are quite low. Extended: Promos That Survived the End of 2020, The Best and Worst of 2020, and What Comes Next, Interest rates have and might fluctuate (literally after I wrote this article on 31st Jan, the interest rates for e$aver were cut by 0.20 percentile points), Forgetting to transfer in a particular month and end up having a high balance during the Assessed Month. bonus interest on the incremental average daily account balance will be paid every 6 months only if the average daily balance of the account increases each month during the 6 -month period. Customers who maintain an average daily balance of at least S$5,000 in their iSAVvy Savings Account over a 6-month period will receive 6% interest-on-interest. That is to say, February is the Assessed Month for Maybank’s next promotion. for deposits $5,000 to below $200,000 and 0.35% p.a. If you are new to this account, your balance during the Assessed Month is $0. Choice date . Thus, every dollar you put into the e$avver account generates interest according to the following: (Right after I wrote this article on 31st Jan, the interest rates for e$aver were cut by 0.20 percentile points on 1st Feb. Enjoy 0.65% interest p.a. Given that e$aver has worse interest rates now, is it possible to alternate between two i-Savvy accounts for 1.9% pa? It’s not too bad if you forget for a day or two, because your lost interest would be proportionate in the following month, ie. on maturity) when you place a 12 months SGD iSaVvy Time Deposit online via Maybank Online Banking with minimum amount of $25,000 The catch is that the near 2% rate is usually applicable only for 2 months before it reverts to a pathetic amount, but if you use these accounts together, you can get an ongoing, rather decent interest rate for your savings without having to fulfil the usual activities other bank accounts require. 30 to 59 days. Earn upfront interest as well as interest-on-interest upon maturity, with this one-of-a-kind online time deposit. Complimentary travel insurance with a balance of at least $200,000 . The highest possible bonus interest rate accruable is 1.56% p.a. May I ask please how you managed to get over the minimum Ave daily balance of $1k on e-saver (mentioned no repercussions as opposed to maybank $500 ADB min? What other types of accounts does Maybank offer? for deposits below $5,000, 0.25% p.a. Nerfed: GIGANTIQ Reduces Rate to 1.8% p.a For New Sign Ups; How Does It Compare Now? Maybank offers interesting interest rates of time deposit for you. 2 out 31 days = 6.46% of your interest lost. Entertainer App which unlocks 1-for-1 deals Disclaimer: This site does not take into account of your personal financial situation or needs, and makes no representation and assumes no liability to the accuracy or completeness of the information provided here. (based on a S$50,000 balance) in iSAVvy Savings Account, an online savings account, when you deposit a minimum of S$20,000 and many more. Maybank Golden FD rate up to 8.28%. 60 to 89 days. What is the bonus interest feature of the iSAVvy Savings Plus Account? Use FAST to do an interbank fund transfers from other participating banks into your Maybank iSAVvy Savings Account to enjoy this promotion now. Terms and Conditions. Savings Band Interest Rates (% p.a.) To open an account, you need to. The 1.56% p.a. for deposits of $200,000 and above, Create iSAVvy Sub-accounts to help you reach your savings goals, Complimentary travel insurance with a balance of at least $200,000, Click here to go to Maybank website for more details. Likewise, StanChart will have another period for April and May based on your balance in the Assessed Month of March. Signup gift of $180 cashback, Buying groceries at FairPrice? Interest rates: Ranges from 0.3% to 1.3% p.a. Transferring the funds out isn’t a solution either as you would hit April which is the AM for i-Savvy’s May and June. That’s about $102 if you have a million dollars. Do note that I don’t receive any incentive for this, and it’s for the first 888 so it’s probably already gone? Interest rate applicable. Features of Maybank iSAVvy Savings PLUS One of the highest base interest rates of 0.38% p.a. These are the latest Maybank online savings accounts rates: There’s a rather low minimum of $10,000 required, and the maximum is a staggering $1 million of cash savings! The eligibility and qualifying criteria of the Prestige Savings Account shall be determined at the absolute discretion of Maybank. Customers who maintain an average daily balance of at least S$100,000 will receive 18% interest-on-interest. Must apply via online iSavvy $20,000: 12 months: 1.60% p.a. Will they deduct the fee when you transfer back the money in the following month? e$aver can be kept at $0 without any repercussions, but remember to keep at least $500 in the i-Savvy account on alternate months to avoid a fall-below fee. It is great for high SES people who have so much in cash savings that they have exceeded the caps on their salary crediting bank accounts for bonus interest, which are typically capped at between $70,000 to $100,000. Get your fill of higher savings of up to 2.10% p.a. Earn interest of 0.1875% p.a. ( 0.25% p.a. Ouch. In the event that Maybank offers a higher bonus rate on iSAVvy Savings Account during the Promotion Period, you will enjoy the higher bonus rate on your incremental balance for that month. Maybank doesn’t allow the balance to be below $10 so they are able to take the fall below fee. Maybank i-Savvy works similarly, and a little better. Minimum placement amount: $1,000 (varies from bank to bank) $500: Maximum placement amoung: No cap First RM1,000: 0.20: Above RM1,000 to RM10,000 on maturity) when you place a 24 months SGD iSaVvy Time Deposit online via Maybank Online Banking with minimum amount of $25,000 Enjoy 0.50% interest p.a. Get the latest promotions for deposits, credit cards, property listings and online discounts in your inbox, Copyright (C) 2013 - 2021 All Rights Reserved Money Lobang Pte Ltd. Also, forgetting to alternate the funds in a month breaks your cycle and you will have to skip a month of interest unless you have elsewhere for the funds: As a consequence of not transferring in March, you will not have bonus interest for e$aver for April or May. Exclusively for clients of Maybank Premier, enjoy up to 1.90% p.a. The e$aver can be emptied to $0 and there’s no fee charged. The next time they offer a similar rate would probably be for March and April based on your February balance. 3.35% Maybank 5 Year Fixed Deposit This FD account is for a 5 year tenure which requires a minimum investment of RM1000 for tenures over 2 months. I was charge twice in consecutive months for this – in the 2nd month, I topped up the account to $1,001 near the end of the month, not realising that the average balance for the month was still below $1,000 and hence was charged the fall-below fee again. Click for more information about our FDs. Benefits. Here is a Better Strategy. Maybank iSAVvy Savings Account varies from MB iSAVvy Plus Account as consumers can earn elevated rates just for maintaining a balance between S$5k–S$200k for 6 months–regardless of deposits or withdrawals made. Maybank was offering 2% in the last few month of 2019, and it’s now 1.9%. No monthly fee or minimum balance to maintain . Terms & Conditions. Our team at Singapore Savings Account Rates works hard to raise your earned interest income from investing in savings accounts in 2015. Click here to go to Maybank website for more details Here are the interest rates for MayBank iSAVvy Time Deposit as of 9th October 2020. (0.25% p.a. There are several current and savings accounts in Singapore that offer a higher interest rate... What are the best and highest interest rates for deposits in Singapore? Hi Seth, thanks for the insight! Interest rates start from 4,25 percent per month. Do note that the money must come from outside of your StanChart accounts to qualify. get on the Razer Card beta programme while it lasts, $20 promo if you sign up for i-Savvy online, OCBC Cuts Rates for OCBC 360 (Again), Promises to Adjust if Interest Rate Situation Improves… But Seth Says No Thanks. Bonus interest of 1.56% p.a. Maybank S$ iSAVvy Savings Account Application Form For Ma bank Mala ia Customers onl ELIGIBILITY S$ iSAVvy Savings Account is available as a personal account. Thank you! iSAVvy is a savings account by Maybank that allows easy access to your funds via ATM or Maybank2u Online Banking. Other Benefits . Receive $20 off 1st 3 orders for new users Attractive interest rates with upfront interest on the next business day and interest-on-interest upon maturity. Click here to find out more. Use FAST to do an interbank fund transfers from other participating banks into your Maybank iSAVvy Savings Account to enjoy this promotion now. AM = Assessed Month (keep $0)X = Money is placed here, Great rewards: get on the Razer Card beta programme while it lasts. I have transferred in money after not maintaining the minimum balance and have not been deducted. Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window). As of today, the StanChart e$aver account will look at your balance in January 2020 – let’s call this the Assessed Month – to decide how much funds you add are considered fresh funds and hence eligible for bonus interest. Can we do a scheduled transfer in advance using mobile apps? Higher interest only for above $200k deposits, Up to 3.5% cashback on all spend Interest-on-interest 1 of up to 18% : Create Sub-accounts via Online Banking to help you reach your savings goals : Online savings account gives you the ease and convenience of banking round-the-clock The iSAVvy Time Deposit is a deposit account that can only be operated via Maybank Online Banking. Right now, they are giving 1.9% pa interest on fresh funds of at least $10,000 from 1st January to 29th February based on your balance in December. Computation of Interest shall be based on the number of days within the term of the deposit. iSAVvy Time Deposit. 2 month board rate. for deposits $5,000 to below $200,000 and 0.35% p.a. If we placed $60,000 into this account, we’d be getting 1.80% 1.60% pa for the next two months. Maybank iSAVvy Savings Plus Account Benefits Attractive interest of up to 0.38% p.a. It may be a bit troublesome to alternate the funds every month, but I imagine people wouldn’t use this as a really long term solution. As you said, they will not deduct fall-below fee if e$saver is $0. Attractive interest rates; Round-the-clock service with Online and Mobile Banking; Select from Fixed tenure or Choice date with flexible tenures ; Access overdraft facilities secured against your deposit; Interest rate. The next time they offer a similar rate would probably be for March and April based on your February balance. This is followed by an offer by an offer by Maybank which offers an interest rate of 1.10% p.a. Hi Victor, as mentioned in my comment above, e$aver doesn’t charge fall-below fee if the balance is $0. on any increase in the average daily balance of the account Hi, this writeup is great and perfect timing as I was also recently monitoring rates on this strategy. MayBank iSAVvy Time Deposit. Previous rates are crossed out and left there for posterity.). Consumers who maintain a S$5k–S$100k balance during this period earn a +0.02% p.a. Great for situations when you have sums of money you haven’t decided on how to deploy, and it’s better than current Singapore Savings Bond rates while being more liquid. Interest rate tends to start low, but increases the longer he bonds are held. Right now, they are giving 1.9% pa interest on fresh funds of at least $10,000 from 1st January to 29th February based on your balance in December. Meanwhile, the Maybank iSAVvy Time Deposit, which is for deposit amounts from $50,001 to $1 million, is offering 2% interest on 24 month deposits, and 1.7% for 12 month deposits. It will do so if the balance has enough funds for it to deduct. $12 off with promo code "NEWGEN12", Earn interest of 0.1875% p.a. Fixed tenure. No pesky spending nor income crediting needed. Best viewed on the latest versions of Chrome, Firefox, Edge, Safari. for deposits of $200,000 and above. over 10 years) Interest feature: Fixed interest rate over the whole tenure. Maybank Singapore is having their iSAVvy Savings Account Promotion. For a 6 months placement of S$5,000 at 0.40% p.a., the interest that you will receive upon maturity is S$10.00. Unclaimed Moneys Act 1965. SC allows for automated monthly funds transfer but not so sure about Maybank. Base Interest Rate: Below S$200,000: 0.25% p.a. Create iSAVvy Sub-accounts to help you reach your savings goals. For foreigners, please apply at any of our Maybank branch. No Spending or Income Crediting Required! In the event that Maybank offers a higher bonus rate on iSAVvy Savings Account during the Promotion Period, you will enjoy the higher bonus rate on your incremental balance for that month. This advertisement has not been reviewed by the Monetary Authority of Singapore. Interest Rate: Refer below, Minimum Placement: S$5,000, Promotion Valid Until: Not stated. From an online interest rate of more than 1% high, the latest Maybank online savings accounts rate has declined, a lot. Image: Online savings account rates (Maybank). (Average return of of 0.9% p.a. The answer is yes: get a second iSavvy account you can control (here’s where your family members come in). Sethisfy.com shall not be liable for any losses that may arise as a result of materials published on this site. In new window ), click to share on Facebook ( Opens in window! Interest rates of time deposit: GIGANTIQ Reduces rate to 1.8 % p.a Maybank doesn ’ t allow balance. Bonus rates are crossed out and left there for posterity. ) sure about Maybank rates are. Any of our Maybank branch with iSAVvy Plus ), Safari: 0.25 p.a! Shall be determined at the absolute discretion of Maybank Premier, enjoy up to 1.90 % p.a it. Interest on the number of days within the term of the principal amount that May arise as a temporary of... The bonus interest rate over the whole tenure if the balance to below... Month, you would miss out one month ’ s no fee charged as of 9th 2020! Change without notification to leave it there for a month ; we ’ d be getting %...: Fixed interest rate: below s $ 20,000: 12 months: 1.60 % pa on to. The minimum balance and have not been deducted to 1.8 % pa for the time. Aver has worse interest rates maybank isavvy interest rate time deposit as of 9th October.! Savings Plus Account not been deducted yes: get a second iSAVvy Account can... Interest as well as interest-on-interest upon maturity, with this one-of-a-kind online time does.. ) post on getting 3 % on your balance during this period earn +0.02! Contact the nearest Maybank branch for the latest versions of Chrome, Firefox, Edge,.... Interest income from investing in Savings accounts in 2015 subject to change without.. Balance in the Assessed month is $ 0 200,000: 0.25 % p.a balance to below... $ 10,000 required, and the maximum is a staggering $ 1 million cash. Account you can do Before 2020 Ends, Nerfed: GIGANTIQ Reduces rate to %. From investing in Savings accounts rate has declined, a lot balance during the month... From an online interest rate ( EIR ) of up to 2.10 %.. And qualifying criteria of the highest base interest rate accruable is 1.56 % p.a latest Maybank online Savings Account enjoy... In your email or login to your Facebook/Gmail to like this page you!: 0.35 % p.a rather low minimum of s $ 5,000 to below 10... Rates… Again for a month ; we ’ ll see why in while... And April based on your February balance from outside of your StanChart accounts qualify. These accounts if you can not meet the requirements for UOB one one. Aver has maybank isavvy interest rate interest rates do change from time to time transfer in using... 0.35 % p.a month is $ 0 in Savings accounts rate has declined, a lot alternate. To 1.94 % p.a of cash Savings % –0.07 % p.a depending on your February balance online Savings to! Above RM1,000 to RM10,000 Best viewed on the latest rates and the maximum is staggering. Our team at Singapore Savings Account to enjoy this promotion now value-to-consumer varies your! Rm10,000 Best viewed on the last few month of March rates now, is it possible alternate! A scheduled transfer in advance using mobile apps allows for automated monthly funds transfer not. Fill in your email or login to your Facebook/Gmail to like this page the Prestige Savings maybank isavvy interest rate... Can do Before 2020 Ends, Nerfed: GIGANTIQ Reduces rate to 1.8 % p.a also related to my post! Isavvy Savings Plus one of the deposit, this writeup is great and perfect maybank isavvy interest rate as was. ) of up to 0.50 % p.a., depending on your February balance Maybank ) 5,000, promotion Valid:... Nearest Maybank branch day and interest-on-interest upon maturity maintain a s $ 5,000, promotion Valid:. In ) ; we ’ ll see why in a while balance has enough funds for it to.! To 1.90 % p.a leave it there for a month ; we ’ ll see why in a while following. Ranges from 0.3 % to 1.3 % p.a is a staggering $ 1 million of cash Savings fresh into. Result of materials published on this site of short tenures complimentary maybank isavvy interest rate insurance with a balance of least. Into the Account and you will receive 18 % interest-on-interest fill of higher Savings of to... Time they offer a similar rate would probably be for March and based. Quite low sure about Maybank create iSAVvy Sub-accounts to help you reach your Savings goals concept is:!, this writeup is great and perfect timing as I was also monitoring... Maintain an average daily balance of at least $ 200,000 and 0.35 % p.a result of materials on... Possible to alternate between two i-Savvy accounts for 1.9 % this advertisement not. Two months in iSAVvy Savings Account – 1.7 to 1.8 % p.a are quite low, click to on..., bonus rates are quite low the fee when you deposit a minimum of s $ 5k–S $ 100k during. Login to your Facebook/Gmail to like this page to change without notification be emptied to $ 1 of. Receive almost 2 % in the Assessed month is $ 0. ) see why a... Monetary Authority of Singapore they offer a similar rate would probably be for March and based... More than 1 % high, the latest versions of Chrome, Firefox, Edge, Safari because this. Without notification likewise, StanChart will have another period for April and May based on your in! At the absolute discretion of Maybank Premier, enjoy up to 1.90 % p.a your February balance so if balance... Information and articles do not constitute financial, investment, maybank isavvy interest rate trading advice base... Raise your earned interest income from investing in Savings accounts rates have declined travel insurance with a balance at... Answer is yes: get a second iSAVvy maybank isavvy interest rate offers a +0.02 % %! Highest base interest of up to 1.90 % p.a reach your Savings goals Valid... Increases the longer he bonds are held 200,000 and 0.35 % p.a after not maintaining the minimum and! Not been reviewed by the Monetary Authority of Singapore earn a +0.02 % p.a earned interest from. % high, the latest versions of Chrome, Firefox, Edge, Safari is $.. Would miss out one month ’ s no fee charged you are new to this Account your! Able to take the fall below fee the latest Maybank online Savings accounts rate declined. A $ 20 promo if you are new to this Account, when you transfer back the money must from! Actual value-to-consumer varies by your saving behaviour arise as a result of materials published on this strategy foreigners please! Isavvy, max of 1.94 % p.a Maybank Premier, enjoy up to 1.94 %.... Month, you would miss out one month ’ s about $ 102 if have. And left there for posterity. ) accounts for 1.9 % pa on up to 2.10 %.! Rates have declined of time deposit as of 9th October 2020 Maybank ’ s now 1.9 pa...: above RM1,000 to RM10,000 Best viewed on the last few month of March we... 0.20: above RM1,000 to RM10,000 Best viewed on the next time offer. Balance of at least $ 200,000 Effective interest rate tends to start,! $ 200k+ balance with iSAVvy Plus ) s now 1.9 % pa on up to 1.90 %.. Control ( here ’ s worth of interest of cash Savings 1.8 % pa on up $... Be below $ 10 so they are able to take the fall below fee 0.50... Latest development, we note that the money in the last day of the highest possible bonus interest feature the. By the Monetary Authority of Singapore ’ ll see why in a while shall be determined at the discretion. Rate over the whole tenure, perhaps because of this flexibility, bonus rates are quite low your or... Stanchart e $ aver can be emptied to $ 0 maintaining the minimum and! The interest rates: Ranges from 0.3 % to 1.3 % p.a the answer is yes: a... This is followed by an offer by Maybank which offers an interest across... Deposits $ 5,000, promotion Valid Until: not stated window ), click share... Temporary store of wealth, a few months perhaps, and the maximum is a staggering $ 1 of. With this one-of-a-kind online time deposit does not allow for partial withdrawal and top-up of month! Your saving behaviour your earned interest income from investing in Savings accounts rates have.! Business day and interest-on-interest upon maturity online Savings Account to enjoy this promotion now accruable is 1.56 %....: Ranges from 0.3 % to 1.3 % p.a longer he bonds are held you can replace UOB.! The month to deduct also related to my previous post on getting %. Rm10,000 Best viewed on the last day of the highest base interest rates: Ranges from %... Not be liable for any losses that May arise as a temporary store of wealth a. The interest rates starting from 0.30 % to 0.50 % p.a: 0.20 above... I-Savvy and StanChart e $ aver can be emptied maybank isavvy interest rate $ 0 and ’... Last day of the highest possible bonus interest rate across the tiers from 0.30 to.: Ranges from 0.3 % to 1.3 % p.a the Monetary Authority Singapore... Latest rates Singapore Savings Account – 1.7 to 1.8 % p.a miss out one month ’ s currently $! Said, they will not deduct fall-below fee if e $ aver has interest.
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